Current Upperco, Maryland CD rates include F&M Bank Upperco, MDF&M Bank Upperco, MD15226 Hanover Pike, Upperco, MD 21155A+5.0 ★Texas Ratio: 3.09% offering 12 month Certificate of Deposit (Consumer & Commercial), IRA Accounts at 1.00% APY, Tower Federal Credit UnionTower Federal Credit UnionA+5.0 ★Texas Ratio: 1.36% offering Regular IRA Share Certificates 1 year at 4.50% APY, U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27% offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, USALLIANCEUSALLIANCEB4.5 ★Texas Ratio: 21.07% offering 18 Month Certificate at 4.10% APY, and Ukrainian Selfreliance Federal Credit UnionUkrainian Selfreliance Federal Credit UnionA+5.0 ★Texas Ratio: 1.47% offering 6 Month Certificate at 4.08% APY. CD rates as of April 7, 2026 according to verified data from MonitorBankRates.
Upperco has 6 local institutions in our database, with CD rates as high as 1.00% APY from F&M Bank Upperco, MD at 15226 Hanover Pike, Upperco, MD 21155. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Maryland area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 7, 2026
Online Only
Early Withdrawal Penalty: 1 month interest
Relationship APY
Early Withdrawal Penalty: 1 month interest
Early Withdrawal Penalty: 3 months interest
Dividends are compounded monthly and paid monthly or on maturity. Minimum balance of $1,000 is required to open and maintain a certificate account. Once a certificate is opened, no additions can be made until maturity. Early Withdrawal Penalty - The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate.
Qualifying balance up to $49,000.00
No additional deposits after initial deposit
Early Withdrawal Penalty: 3 months interest
$100
Relationship APY
Rate Special
Early Withdrawal Penalty: 3 months interest
Certain new money restrictions apply.
Dividends are compounded monthly and paid monthly or on maturity. Minimum balance of $1,000 is required to open and maintain a certificate account. Once a certificate is opened, no additions can be made until maturity. Early Withdrawal Penalty - The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate.
Relationship APY
Rate Special
Early Withdrawal Penalty: 3 months interest
No additional deposits after initial deposit
Certain new money restrictions apply.
Dividends are compounded monthly and paid monthly or on maturity. Minimum balance of $1,000 is required to open and maintain a certificate account. Once a certificate is opened, no additions can be made until maturity. Early Withdrawal Penalty - The penalty we may impose is 5% of the amount withdrawn. The APYs assume that dividends are retained in the certificate.
Relationship APY
(1 optional rate increase available)
Early Withdrawal Penalty: 6 months interest
Certain new money restrictions apply.
Relationship APY
Compare local Upperco, MD CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Maryland 12-month CD rates fell 0.284 points over the past 7 days to 2.706% APY.
Maryland 6-month CD rates fell 0.231 points over the past 7 days to 2.700% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Upperco, Maryland directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Upperco, Maryland. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.